Would you "loan" speakers to a virtual stranger? I doubt it. Why do you think they should?

There is a way around this though. You could put them on a charge card. This assures the store that if any damage occurs, they will be covered. Simply put, you would own them.

Take them home and return them within a reasonable period of time, say a week or two.

Of course this implies keeping the speakers and any and all packing materials in perfect shape.

This, to me, sems the most fair way to go.